You can open all CalFirst CDs terms online. You can complete the entire application through the CalFirst website. There is also the option to apply by calling customer service or mailing in an application.

The shorter-term CDs offer more competitive rates than long-term CDs. The rates are more competitive with online CDs than long-term CDs. The short-term CDs include a three month and six-month term.

Customers can choose how to receive interest payments. You can have the money credited to your CD or another CalFirst account. You can have the money transferred into another bank account, or have the interest mailed to you in a check. Interest will credit to your account monthly.

Customers can choose how to receive interest payments. You can have the money credited to your CD or another CalFirst account. You can have the money transferred into another bank account, or have the interest mailed to you in a check. Interest will credit to your account monthly.

The initial amount required to open CalFirst CDs is high. Each of the standard CD terms requires $5,000 to open. You must keep that amount in the CD to earn interest. To open IRA CDs and earn interest requires a balance of $2,000.

There is a limited amount of CD terms offered through CalFirst. There are five CD terms available. Those terms range from three months to three years. CalFirst provides CD terms as standard CDs or IRA CDs. All terms can be opened online.

CalFirst CD interest rates are low. They are not competitive with online CD rates. These rates are competitive with typical bank rates. CalFirst rates are not tiered. Any balance over the opening amounts earns the rates listed on the website.

There are only two early withdrawal fees for CalFirst CDs. For terms less than one year, the fee is 90-days of interest. For CD terms 12-months or longer, the fee is 180-days of interest. If you withdraw money early, you must pay that amount of interest even if you have not earned it.

Read the full California First National Bank review.

Most giantbank.com CDs offer competitive interest rates. The rates for some CDs are competitive with other online accounts. All of the CD rates are higher than typical bank rates. The CD terms that are 12-months and longer offer the most competitive interest rates.

There are a good variety of giantbank.com CD terms available. The terms range from 91-days to 60-month CDs. There are seven different terms offered through giantbank.com. You can apply for any of these CD terms online.

There are two options on how to open a CD with giantbank.com. You can apply for the CD online or fill out an application and send the application back through the mail. If you open the CD online there is a maximum opening amount of $50,000.

The opening required amount for giantbank.com CDs are low. Each of the CD terms requires $2,500 to open. You must keep a balance of at least $2,500 in the giantbank.com CDs to earn interest. Any amount over the required balance earns a competitive interest rate. The interest rates are not tiered.

The short-term CDs do not offer as competitive interest rates as the longer-term CDs. The 91-day, six-month, and nine-month CDs do not offer as competitive rates. These rates are still competitive. The rates are just not as competitive as the other giantbank.com terms.

giantbank.com limits the ways you can initially deposit money into CD accounts. Those ways include mailing in a check or a wire transfer. You can also transfer money from another giantbank.com account. The website does not say you can make the initial transfer from an external bank into a giantbank.com CD.

giantbank.com is an online bank. You can contact customer service through email, mail, phone, or fax. Customer service does have limited hours they are open. They are available Monday through Friday from 9 a.m. to 6 p.m. EST.

Customers can transfer the interest earned on giantbank.com CDs to other accounts. But, the money can only be transferred to other giantbank.com accounts. Those accounts include giantbank.com checking or money market accounts.

Read the full Giantbank.com review.